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Early on, your primary source of income will be task completions. Only once you get to mid and high tier areas with decent high value loot and junk you can loot off of enemies is money more reliably earned.
For now, you can follow a group into an area and loot enemies they have killed and bypassed and use that gear. If you don't want to do that, you can wipe. Or you can ask for gear from others. At this point in the season, most people who play regularly have nothing to spend their money on.
Yes, that might adversely affect your experience: your call.
You may not like it, but this is what peak money making looks like. About 20 minutes for $15,000.
That's including the flight out and back from Mithras. If you can sell at the upcoming COBs you could definitely cut that time down. Of course enemies take 45 minutes to respawn so it won't really matter.
Enemies have different variation in this game, from level 1 starter town goons, level 2 rebels, criminal and gang around the island and level 3 LAF soldier. The higher the level the higher value of potential loot spawn. In my experience you will be consider lucky to even making 500 dollar in tier 1 area, 2500 if you somewhat trying in tier 2 area and usually more than 4k in tier 3 if no one been there recently. Looting potential luxury item spawn if not focusing on killing, usually stuff like smartphone or booze may spawn in the world.
In early stage you should avoid using m4 if you can't afford to lose them, using enemy's guns instead to save money on both weapon and ammo. Early game AKs are ideal as most of the enemy carries them. If you die a lot try taking safest route or be a opportunist, move in after someone already clear the area not long before. The lesser time you die the more money you make. Don't afraid to ask for help, people would more gladly to help you especially in PVE mode.
Are there no binoculars? i have an hard time to spot anything that is a bit further away
Try to run the game at your native resolution without all those awful effects.
iirc you need to select DLSS in one setting but then disable super sampling in another setting to run native.
There's a setting like 3D Resolution or something that dictates your actual resolution when using DLSS, so if you're playing at 1920x1080 with DLSS on and that setting at 50 of 100 you're actually rendering the game at 960x540 and AI upscaling the image to 1080p hence the reason you can't see anything. You're basically playing on a PS Vita.
What is your FoV set to in the graphics menu?
GZW uses vertical FoV, while most other games traditionally use horizontal FoV (or even diagonal). What you think is a relatively low setting may be much higher than you're used to after converting, giving the center of your screen a much more zoomed out look. This also has an amplifying effect on looking down sights, but they are adjusting that to be better in the next update at least.
Try ~55-58 FoV and it may help you focus better on AI.
There should not be this much of a grind to simply cover a weapon financially, let alone a whole kit. As for the missions giving you money: sure they do, but the quest do not cover significant financial dispositions until much further into the game. Early game is like "oooh I made $3000, now I can buy ammo for ONE outting". We shouldn't have to rock the starter town guns for the first half of the game.
I'm not saying this game needs to step up to tarkov levels where ONE raid could net you millions, but jimminy crickett, we should not be begging for gear like hobos for a dollar on a busy street corner.